Auto Loans
Auto Loans
The freedom of the open road…it feels even more liberating with a great loan rate and convenient terms.
Get behind the wheel of the car of your choice today and enjoy the confidence of an FCCU auto loan leading the way!
Save with auto payment deductions from your FCCU account and track your loan progress through your home banking!
Auto Loan Discounts
Package of Protection Discount
Below are commonly purchased insurance products that consumers choose when financing an automobile. These products are available at a fraction of the cost from FCCU versus that is charged if a person chooses dealer financing. At FCCU, we recognize these products reduce the potential for loss on a loan and we offer a rate discount of .50% for this package to reflect that protection.
- GAP Coverage
- Mechanical Repair Coverage
- Credit Life
- Credit Disability
Auto Advisor Discount
When a member uses our Auto Advisor service to purchase a car we have a high degree of confidence that a fair price will be paid for the car. There is also less risk that a member will opt for the expensive insurance products that are sold by the dealership. A good purchase price makes for a stronger loan. At FCCU, we recognize these benefits and we offer a rate discount of .25%.
Cooperative Discount
As a cooperative, the positive contributions of individual members strengthens the entire cooperative. Below are common member behaviors that contribute in a positive way to the cooperative. At FCCU, we recognize the contribution of these behaviors and we offer a rate discount of .50% for the package to reflect that contribution.
- Direct Deposit
- Automated Loan Payment Method
- Checking Account
- Electronic Statements
Rates
| Vehicle Loans New Auto | |||||
|---|---|---|---|---|---|
| CREDIT SCORE | APR1 | ||||
| 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | |
| 720+ | 4.49% | 4.74% | 4.99% | 5.49% | 6.24% |
| 680-719 | 4.99% | 5.24% | 5.49% | 5.99% | 6.74% |
| 640-679 | 5.49% | 5.74% | 5.99% | 6.49% | 7.24% |
| 600-639 | 6.99% | 7.24% | 7.49% | 7.99% | N/A |
| Less than 600 | 8.49% | 8.74% | 8.99% | N/A | N/A |
| Vehicle Loans Used Auto | |||||
|---|---|---|---|---|---|
| CREDIT SCORE | APR1 | ||||
| 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | |
| 720+ | 4.74% | 4.99% | 5.24% | 5.74% | 6.49% |
| 680-719 | 5.24% | 5.49% | 5.74% | 6.24% | 6.99% |
| 640-679 | 5.74% | 5.99% | 6.24% | 6.74% | 7.49% |
| 600-639 | 7.24% | 7.49% | 7.74% | 8.24% | N/A |
| Less than 600 | 8.74% | 8.99% | 9.24% | N/A | N/A |
| Vehicle Loans New Auto | |||||
|---|---|---|---|---|---|
| CREDIT SCORE | APR1 | ||||
| 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | |
| 720+ | 4.49% | 4.49% | 4.99% | 5.49% | 6.24% |
| 680-719 | 4.99% | 5.24% | 5.49% | 5.99% | 6.74% |
| 640-679 | 5.49% | 5.74% | 5.99% | 6.49% | 7.24% |
| 600-639 | 6.99% | 7.24% | 7.49% | 7.99% | N/A |
| Less than 600 | 8.49% | 8.74% | 8.99% | N/A | N/A |
| Vehicle Loans Used Auto | |||||
|---|---|---|---|---|---|
| CREDIT SCORE | APR1 | ||||
| 36 Months | 48 Months | 60 Months | 72 Months | 84 Months | |
| 720+ | 4.74% | 4.99% | 5.24% | 5.74% | 6.49% |
| 680-719 | 5.24% | 5.49% | 5.74% | 6.24% | 6.99% |
| 640-679 | 5.74% | 5.99% | 6.24% | 6.74% | 7.49% |
| 600-639 | 7.24% | 7.49% | 7.74% | 8.24% | N/A |
| Less than 600 | 8.74% | 8.99% | 9.24% | N/A | N/A |
1APR = Annual Percentage Rate. Individual loan rates are determined by members’ specific credit history. Loans are subject to credit approval. Some restrictions may apply. Rates may vary depending on your credit report. We rely on a national credit bureau for obtaining your credit score. This score may differ from a credit score you find from other sources. We will not use credit scores from other score providers or accept for consideration other scores you provide. Rates are subject to change at any time. Contact a First Choice Credit Union associate for complete details. Full loan disclosures will be given when loan is disbursed at closing.
Find out the benefits of a new or used car loan from First Choice Credit Union
Do Better Auto Loan Research with First Choice Credit Union
This valuable service helps you save money and determine the value of your trade BEFORE YOU SHOP! BE sure to TALK TO FCCU BEFORE YOU BUY so you can negotiate your very best deal.
It’s easy! It’s FREE!
- New and used car information is always available to members through FCCU’s lobby computer and vehicle library.
Find the value of used vehicles through National Automobile Dealers Association (your computer or ours) or use our NADA “Blue Book” - For new, used, and everything else, check out Motor Trend.
